Open account

What you need to open a TD Essential Banking Account

  • 1

    The basics

    Name, address, phone number and email. If you're under 18, visit a TD Bank store near you with a parent or legal guardian

  • 2

    Proof of ID

    Social Security Number, birthdate and a government-issued ID

  • 3

    A way to add money

    Have your account info or debit card from another bank. Or come to any TD store with a deposit2

  • 4

    Verify your identity

    For your protection, you may need to verify your identity with a few questions throughout the account opening process

Or, watch this quick video to see what you need to open an account online

What you get with your TD Essential Banking Account


Feel confident about your spending with this checkless, easy-to-use bank account with no overdraft fees or services.

  1. No overdraft fees or services
    Stay on the right track knowing you can only spend what you have in your account3

  2. We're here when you need us
    Visit ATMs, cash checks, and get support at 1,100+ TD locations, plus around-the-clock live Customer Service via phone

  3. Debit Card, on the spot
    Your account comes with a  contactless debit card that's easily replaced through the app or in-store. Plus, rest easy with 24/7 fraud text alerts and lock/unlock controls

  1. 24/7 online and mobile access
    Keep tabs on your account with Online Banking with Bill Pay, Online Statements, Send Money with Zelle®4 and TD Bank Mobile Deposit5

Get the most from your TD Essential Banking Account

What you pay

Open account

View the Essential Banking Account Guide.

1If you are under the age of 18, you must open a joint account with a parent or legal guardian as the secondary owner. For the TD Essential Banking account the maintenance fee is waived if the Primary account holder is 13 through 17 years of age. Upon the primary account holder's 18th birthday the account will be subject to the monthly maintenance fee. Please see the Personal Account Maintenance Information Grid for additional details.

2While we don't require a minimum deposit to open, TD may consider your Account closed if it has a zero balance for forty-five (45) Calendar Days.

3Overdraft Services do not apply to TD Essential Banking Accounts. We may decline or return transactions that would result in an overdraft. Transactions that you make may cause your account to overdraw but we will not assess your TD Essential Banking Account an overdraft fee or return item fee. For example, preauthorized transactions and other transactions may post to your account even when the balance in your account is not sufficient to pay the transaction.

4Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

5TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

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